Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)

Wells Fargo
Rate 5.875% (APR=5.937%) 6.5% (APR=6.641%)
Points / Credits $2,131 $9,017
Payment $1,893 $2,023
Saving over 30 years $53,686 $0

(Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Chase

Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)

Chase
Rate 6% (APR=6.073%) 6.375% (APR=6.485%)
Points / Credits $1,386 $2,853
Payment $2,139 $2,184
Saving over 30 years $17,501 $0

(Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Citibank

Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)

Citibank
Rate 5.75% (APR=5.785%) 6.5% (APR=6.667%)
Points / Credits $563 $1,125
Payment $875 $948
Saving over 30 years $26,842 $0

(Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Bank of America

Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)

Bank of America
Rate 5.75% (APR=5.799%) 6.5% (APR=6.724%)
Points / Credits $1,063 $1,726
Payment $1,167 $1,264
Saving over 30 years $35,583 $0

(Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Guaranteed Rate

Rates as of Friday, August 22 2025 at 9:50 AM (Pacific Time)

Guaranteed Rate
Rate 6% (APR=6.011%) 6.25% (APR=6.643%)
Points / Credits $431 $4,176
Payment $2,098 $2,155
Saving over 30 years $24,265 $0

(Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Better.com

Rates as of Friday, August 22 2025 at 11:00 AM (Pacific Time)

Better.com
Rate 5.75% (APR=5.799%) 6.375% (APR=6.545%)
Points / Credits $850 $3,200
Payment $934 $998
Saving over 30 years $25,390 $0

(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)

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